Mental Health Benefits for Your Employees

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If you own a business, you’re well aware of the many responsibilities that come with it. One of these responsibilities is purchasing commercial insurance to protect your business assets and employees. If your business is located in the Pearland, TX area, our team at Barry Insurance Group invites you to visit us for guidance in selecting your commercial insurance policies. We’ve been serving businesses like yours since 2004.

Mental Health Benefits for Your Employees

According to the Texas Department of Insurance, if you offer healthcare benefits to your employees, you must include mental health benefits. The level of benefits offered for mental health must be on par with those offered for physical illness. This equal level of benefits, referred to as "parity," is a requirement in the State of Texas, recognizing the need for mental health services as equal to that of physical health.

To clarify the requirement for mental health parity, the coverage for visiting a mental health professional should have the same copayment as the employee would pay for a visit to a medical doctor. Although your insurance company has the right to set a limit on the number of visits permitted, the annual and lifetime limits for mental health coverage must be equivalent to those offered for physical health visits. If your employee is denied coverage for mental health benefits, they have the right to appeal that decision.

Contact Us for an Appointment Today

When you invest in your business, you want to know you can depend on the agents you work with. Our team at Barry Insurance Group takes pride in offering a business based on honesty, integrity, ethics, and professionalism. Businesses in Pearland, TX have learned they can rely on our team for consistent client support. Call us today for your appointment.

Insurance Coverage for Your Primary Home Investment

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Your primary residence is likely where you spend most of your time, and it may require a more comprehensive insurance policy than a vacation home or other types of temporary residences.

Insuring Valuables in Your Residence

Your primary home is likely where you keep your valuables. Items of value, such as those in a safe, high-priced heirlooms, artwork, and other expensive items, should be included in your home insurance policy.

A home insurance policy can offer protection against a variety of incidents. A home insurance policy may cover theft, vandalism, and damage caused by a natural disaster. If any of these incidents occur, the insurance coverage may pay for the repair or replacement of insured valuables.

Protecting Construction Materials

The materials your home is constructed from could become damaged by high winds, flooding, and other weather-related events. Insuring these materials can prevent unexpected expenses directly tied to a natural disaster.

Insurance coverage can be used to protect roofing materials, floorboards, and other structural components used in building a home.

Liability Coverage for Incidents

Your primary residence may occasionally be used to entertain guests. An injury or damage could occur to another person while they are in your home or on your property.

Liability insurance coverage protects a homeowner from legal expenses. If an individual is injured or their personal property is damaged, the cost of remedying the situation may be covered by liability insurance.

The Barry Insurance Group

If you’re concerned about the amount of insurance coverage for your primary residence, you may want to consult with an insurance agent serving Pearland, TX. Contact one of our agents when you’re ready.

Oil and Gas Industry Risks Are Rising—Is Your Well Coverage Keeping Up?

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Throughout the oil and gas industry, there are risks. Unfortunately, throughout Pearland, TX, risks are rising, whether it’s an oil spill, groundwater contamination, or something else. Drilling operations are critical, and you need to ensure your well coverage can keep up. At Barry Insurance Group, we’re here to ensure your policy provides the protection you can depend on.

Understanding Risks within the Oil and Gas Industry

Your health coverage must keep up with the various risks. If it fails to do so, you could experience significant financial loss.

As such, reviewing some risks you may face in Pearland, TX, and throughout the industry is essential.

  • Blowouts and well-control failures
  • Environmental liabilities, including groundwater contamination and air pollution
  • Property damage because of mechanical failures, fire, and other issues
  • Third-party liability claims from accidents and injuries
  • Production interruptions

The right policy can make all the difference whether you experience a lawsuit, a costly cleanup effort, or downtime due to equipment repairs.

Choosing the Right Well Coverage

While you may be able to choose coverage blindly for basic insurance, coverage isn’t "basic." It requires you to explore everything from the scope of coverage to the policy limits and deductibles.

Examining a policy’s exclusions and endorsements is important, so it’s important to work closely with an experienced insurance agent.

Explore the Necessary Coverage Today

If it has been a while since you’ve updated your well coverage, it might be time to review the policy. By talking with one of our agents at Barry Insurance Group, you can be sure you are covered against all of the necessary risks. We can ensure you have the proper coverage limits, your policy meets regulatory compliance, and more. Contact us today to get started.

Why You Should Know What Your Flood Insurance Doesn’t Cover

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While no one likes to contemplate the possibility of flooding, a little time and planning can help you prepare for this potential hazard. That’s why so many residents in and around the Pearland, TX area turn to the proven and professional team at the Barry Insurance Group for all their flood insurance needs and questions, including understanding what a standard flood insurance policy doesn’t cover.

Understanding Your Flood Insurance Coverage

There’s a reason most people include a plan to protect their valuables during a potential flood. Namely, flood insurance typically doesn’t cover possessions like stock certificates or cash. These are just a few of the many items that may be left unprotected if a flood washes them away or damages them.

Items like patio furniture, fixtures like decks and fences, and even personal possessions can be left unprotected under many typical flood insurance policies. That doesn’t mean that people shouldn’t invest in flood insurance, but they should be aware of what may be left to perish if left unguarded. Fortunately, these are questions your local Pearland, TX agent can help you answer, along with helping you get the insurance and protection you deserve.

Flood Insurance Solutions in Pearland, TX

If you live in the Pearland, TX, area and have questions or need flood insurance for your home or business, we can help. Contact the Barry Insurance Group to learn more and schedule an appointment for the flood insurance and protection you need today.

What Is a Pre-Existing Health Condition, and How Does It Affect My Insurance?

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Many of us have heard stories about individuals with pre-existing conditions who struggled to get care or had to pay significantly more due to their condition. This can understandably cause anxiety when shopping for health insurance with a pre-existing condition. But what exactly are pre-existing health conditions, how do they impact those seeking a health insurance policy, and what steps, if any, need to be taken? We’ll answer all these questions and more. Once you’re armed with the right information, you can confidently start shopping for a policy with the support of our team at Barry Insurance Group in Pearland, TX.

Understanding Pre-Existing Health Conditions

A pre-existing health condition is any health condition you had before applying for a health insurance policy. In the past, health insurance companies could refuse customers or charge them more due to these conditions, leading to many of the stories we hear. However, the Affordable Care Act has changed this. Insurance companies can no longer deny coverage or charge more for coverage if someone has a pre-existing health condition. Some companies have found workarounds, such as imposing waiting periods. In short, while pre-existing health conditions were a concern in the past, they are no longer as significant when shopping for an insurance policy. Just ensure to thoroughly read your insurance policy to identify any hidden requirements that may delay coverage when you need it most.

Find Coverage with Barry Insurance Group

If you’re ready to shop for health insurance coverage in Pearland, TX, our team at Barry Insurance Group is here to simplify the process and answer any questions you may have. Compare quotes now or contact us today!

How Does My Home-Based Business Benefit From Commercial Insurance?

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The relationship between home and work continues to evolve, with more people working full-time, part-time, or running businesses from home. With this change, it’s crucial to understand that home insurance policies generally provide limited coverage for business assets, making commercial insurance essential for many home-based businesses. If you live in the Pearland, TX area, consider the Barry Insurance Group team to create your home and business insurance plan.

Home Insurance and Working from Home

Most home-based businesses require office electronics, furniture, and supplies or tools. Some also have inventory, highlighting the importance of commercial insurance as your business assets grow.

Home insurance policies cover personal, not business, assets; many cap their business asset coverage at $2,500. Any business asset above $2,500 is uninsured if you don’t have a commercial insurance policy.

Smaller home businesses with limited assets often add a business property endorsement to their home policy, doubling the base business coverage. Businesses with more assets need commercial insurance; many also need professional or business liability insurance.

In-home business insurance may be sufficient for companies with less than $250,000 in revenue. These policies typically include the property, liability, and other commercial insurance elements many businesses of that size need.

A Business Owner’s Policy (BOP) is for businesses with revenue of $250,000 or more. It often includes the primary elements of more sophisticated commercial insurance policies, such as Workers’ Compensation and liability coverage.

Working with the Barry Insurance Group

The Barry Insurance Group team serves homeowners and businesses in the Pearland, TX, area. Call (281) 464-3384 today to schedule an appointment or stop by our office so we can create an insurance plan that works for you.

Residential Insurance Coverage for Items Stored Outdoors

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Do you plan on storing tools, decor, and other household goods outdoors? If so, prepare an insurance protection strategy to help you manage your items.

Outdoor Storage Essentials

You may have chosen outdoor storage for several reasons. Outdoor storage may provide easy accessibility to the items you rely upon when gardening or conducting repairs.

Outdoor storage may be necessary, especially if you do not have room inside your home to store some of your personal possessions. Your outdoor storage should keep your items clean and dry. If a storage unit is in view, security measures should be taken.

Risk Factors For You To Consider

Any risks that you determine should be documented. The risks may influence the type of residential insurance you need. For example, if your property doesn’t drain adequately, you may be concerned about the potential of flooding.

A flood or another type of natural disaster could damage a storage unit or its contents. Specialized insurance products designed for property owners will add an extra layer of protection to your home insurance policy.

You should examine the chance of inclement weather, theft, or vandalism occurring on your property before shopping for home insurance coverage products.

Get a Consultation With An Insurance Agent in Pearland, TX

One of our agents from the Barry Insurance Group will inquire about your residential property and the items stored outdoors. They will advise which possessions should be added to your home insurance policy.

You will be free to choose the coverage amounts you want your possessions equipped with. To get started, contact a representative of our agency. They will schedule a personal insurance consultation for you.

How Control of Well Insurance Protects Against Blowouts and Well Damage

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Control of Well Insurance: Safeguarding Your Oil and Gas Operations

Unexpected events like blowouts can lead to significant financial losses in the oil and gas industry. At Barry Insurance Group, serving the greater region of Pearland, TX, we understand the complexities of these risks and how to safeguard your operations effectively.

Understanding Control of Well Insurance

Control of Well Insurance is a crucial safety net for companies involved in drilling operations. This specialized coverage protects against the financial impact of well-blowouts and the costs of regaining control. It can cover expenses such as firefighting, redrilling, and pollution cleanup, ensuring your business remains stable during unexpected challenges.

The Importance of Comprehensive Coverage

Blowouts can cause extensive damage to equipment and the environment. Without proper insurance, the costs can be overwhelming. Control of Well Insurance ensures that you have the financial resources needed to address these issues promptly. With a comprehensive plan, you can focus on maintaining operations without the stress of potential financial ruin.

Tailored Solutions for Your Business

Every drilling operation is unique, and so are its risks. That’s why having a policy tailored to your specific needs is essential. At Barry Insurance Group, we work closely with you to understand your operations and potential exposures, ensuring that your coverage aligns with your business goals.

Secure Your Operations Today

Don’t leave your business vulnerable to the unpredictable nature of good operations. Contact Barry Insurance Group, serving the greater Pearland, TX area, to discuss how Control of Well Insurance can protect your assets and ensure the continuity of your operations. Our experts are ready to provide personalized solutions to keep your business secure. Reach out today, and let us help you safeguard your future.

What is the value of having a flood insurance plan in Texas?

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The Value of Flood Insurance in Pearland, TX

If you’re a property owner in the Pearland, TX area, it’s crucial to consider the merits of purchasing flood insurance. This type of coverage serves as a "safety net," offering essential compensation in case of flood-related incidents affecting your property.

Coverage Offered by Flood Insurance

Flood insurance ensures that your property is covered for damage resulting from floods. If your property is affected by a flood, the remediation cost can be steep. However, many standard home insurance policies do not account for flood damage. Therefore, you need a specific plan to manage this risk and stay protected if a flood does occur.

Ensuring Agreement Compliance

Not having flood insurance might result in a violation of agreement conditions. Given the substantial protection flood insurance provides, many stakeholders, including lenders, customers, vendors, and investors, require that you maintain it at all times. Failure to carry flood insurance when needed could inadvertently violate significant agreements or face penalties.

Secure Your Flood Insurance with Barry Insurance Group

If you’re considering flood insurance in the Pearland, TX area, contact Barry Insurance Group. Our professionals are equipped to evaluate your needs and risks. They’ll guide you in creating the right plan tailored to your situation. Let Barry Insurance Group assist in ensuring your property remains protected.

Importance of Preventive Care and How Health Insurance Supports It

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Many individuals often misunderstand the right approach to healthcare. Rather than maintaining their health regularly, they only seek medical care when they’re unwell or ignore their health until symptoms appear. In the face of rising healthcare costs, it’s common to neglect health until it’s necessary. However, this approach could result in higher long-term costs and time spent managing health issues compared to a proactive healthcare approach. Preventive care, aided by health insurance, is a beneficial solution to consider.

Operating out of Pearland, TX, Barry Insurance Group provides various insurance products and services catered to your healthcare coverage requirements.

Preventive Care: Its Significance and Role

Preventive care is an overarching term encompassing actions taken by patients and healthcare providers to evade chronic illnesses and diseases. For instance, getting annual flu shots can shield against infections caused by flu viruses. Presently, most health insurance plans incorporate preventive services, aiding in maintaining your health and decreasing healthcare costs.

The following are a few ways preventive care can enhance patient health care:

  • Early Detection: Preventive care facilitates the early discovery of diseases, enabling patients to get the care they need before their condition deteriorates.
  • Improved Quality of Life: By preventing illnesses and diseases, preventive care leads to enhanced well-being and, thus, a superior quality of life.
  • Extended Lifespan: Preventive care can extend your lifespan by keeping you healthy and avoiding illness and diseases.

Secure the Health Insurance Coverage You Need Today

Most health insurance plans include preventive care coverage, promoting active health and well-being maintenance. Contact Barry Insurance Group in Pearland, TX, today at 281-464-3050 to discuss your coverage requirements.

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